10% for underwear.
Just what kind of food are you buying with that 20%
Might need a little more cheese in your diet.

When I was born and for 18 years on my mother had a cheese and milk and butter shop
I like very old Dutch Gouda cheese ( eaten without bread as desert or snack )
I like Camembert ( the more it stinks the better )
and Roquefort ( the one with the green mold in it )
Swiss Gruyere cold in cubes or molten as raclette or molten and grilled in sauce
I really am not into the dozens of new cheeses
Since most people here only got money for ground meat or sausages or lard or whatever cheap my
favorites do not cost all that much
Rabit for instance is like 6 euro per kilo which is barely more then the 4.5 euro for chicken